Me! My eyes hurt from staring at the computer for too long and it's making me feel queasy. I'd love to have a sleep as well... had a relaxing tea before and I think it's done too good a job
Citizens' Advice would probably be a good bet too. If you do decide that you will be covered, give them a ring first as well and get confirmation. They have to record the calls, I think, so there will be evidence.
Still be really careful. Check all the information in your existing contract before you make a decision to change - get someone else to look at it as well. Make sure there's no way the insurance company can get out of it. It's a tough one but you could end up with an even bigger bill if you...
What a brilliant horse. But it's so sad that these things happen - I feel like I'm putting my life in danger every time I go out for an early morning run, especially with it getting darker